A new way of finance

Transforming personal and business finance.

Personal finance

Vardon

Your accounts, spending and investments in one place.

Download Vardon

Business finance

Coming soon

Vardon Business

For your business finances, inventory and team.

Explore Business

WHAT IS VARDON?

Your whole financial life, in one clear place.

Vardon’s innovation in financial accounting, the Three Account philosophy, allows you to connect banks, brokerage accounts, loans and credit cards and see just three accounts: Main, Investment and Rest Easy.

The elegance of three.

Your everyday money, your investments and your reserves.

Illustrative account balances.

MAIN ACCOUNT

The Main.

Know what is available for everyday life. Track income, spending and fixed costs in one clear view.

MAIN ACCOUNT

£ 4,542.43

Net Income: £87,542.55
Expenditure: £43,865.03
Fixed: £33,887.01

INVESTMENT PORTFOLIO

The Growth.

Your portfolio, accounted for properly. Connect your brokerage to track cost basis, realised gains, dividends and returns.

INVESTMENT PORTFOLIO

AFTER-HOURS

£ 24,352.66

Invested: £24,352.66
Returns: £1,505.43 9.92%
Cash Balance: £2,847.34

REST EASY

The Relief.

A little room for whatever comes next. Build your reserves and set money aside for planned expenses and unexpected costs.

REST EASY

£ 32,186.44

Emergency Fund: £30,000.00
Sinking Fund: £1,200.00
Fixed: £986.44

CONNECT

Seamless financial connectivity.

Connect supported banks and brokerages. Review transactions and bring your balances, spending and investments together.

Explore connections

Supported bank and brokerage brands connected around the Vardon mark.

EVERYWHERE

On every device, always in sync.

Take a closer look on desktop or check in on your phone.
One Vardon account keeps your financial life connected across your devices.

Vardon on desktop, with your accounts and financial insights in one workspace.

Vardon on mobile, showing net worth, account balances and financial graphs.

REVIEWS

What our members say.

One membership. Every feature.

01 / MONEY

Financial overview

Bring everyday cash, reserves, investments and debts into one financial picture.

Net worth

See what you own, what you owe and how your overall financial position changes.

Transaction ledger

Spending, income, loans, savings and investments in one searchable record.

Search & filtering

Find transactions by merchant, category, account, amount, date or region.

Cashflow analytics

Understand income, spending and net movement, month by month.

02 / BANKS & AUTOMATION

Open banking

Connect supported bank accounts to automatically import transactions that Vardon can confidently classify.

Smart classification

Get merchant and category suggestions based on how you organise your transactions.

Repayment recognition

Recognise card and loan repayments and keep them separate from ordinary spending.

Duplicate protection

Identify previously imported bank activity to help prevent duplicate transactions.

CSV imports

Map columns, review transactions and reuse saved profiles to import your financial history.

03 / INVESTMENTS

Brokerage connections

Connect supported investment accounts to keep holdings and account activity together.

Portfolio accounting

Track holdings, invested capital, cash, cost basis and portfolio performance.

Realised gains & losses

Understand the gains and losses from the investments you have sold.

Dividends & interest

Account for dividends and interest alongside the rest of your investment activity.

Capital accounting

Keep brokerage deposits separate from income and available spending money.

04 / PLANNING

Budgets

Set category budgets and see spending, remaining money and progress at a glance.

Subscription tracking

Track recurring charges and spot new payments on subscriptions you marked as cancelled.

Loans Studio

Follow principal, interest, rates and repayment schedules in one borrowing workspace.

Refinancing & overpayments

See how new rates, revised terms or extra repayments change your loan’s projected path.

Sinking funds

Set money aside for future costs, with contributions, withdrawals and linked purchases.

05 / REPORTS & INSIGHTS

Monthly reports

Review each completed month’s cashflow, budget pressure and financial activity.

Spending distribution

See typical daily spending, how widely it varies and when patterns change.

Spending heatmap

Explore spending across months and years in a visual calendar.

Financial audit

Trace recorded financial changes, from transaction edits to imports and reserve movements.

Explore all features

Join our growing community.
Get started today.

One membership. £6.99 per month. Cancel anytime.